The “Antyodaya Shramik Suraksha Yojana” has been introduced by the Government of India with a vision to empower the safety and welfare of its shramyogis or workers. Under this initiative, Prime Minister Narendra Singh Modi launched the “Antyodaya Shramik Suraksha Accident Insurance Scheme” in the Kheda district of Gujarat. The scheme aims to provide a safety net for workers by offering financial assistance in the unfortunate event of death or partial disability caused by workplace accidents. The significance of this scheme lies in its ability to empower laborers, assuring them that they and their families will be supported during challenging times.
What is Antyodaya Shramik Suraksha Yojana 2023?
The Antyodaya Shramik Suraksha Yojana stands as a forward-looking and affordable insurance scheme with the purpose of delivering comprehensive coverage and safeguarding for workers in the informal sector throughout the nation. Acknowledging the substantial contributions of these workers to the progress and advancement of our nation, this initiative is meticulously structured to assure their financial security and overall well-being.
The initial implementation of the Antyodaya Shramik Suraksha Yojana took place in Nadiad, situated in the Kheda District of Gujarat, on the 8th of July, 2023. Presently, the scheme is operational in the Vadodara, Ahmedabad, and Rajkot regions of Gujarat, extending its protective reach.
Under Antyodaya Shramik Suraksha Yojana, workers will be insured by paying premiums of either Rs 289 or Rs 499 granting them assistance in the event of death or partial disability. If a laborer passes away in an accident, their successor will receive financial aid amounting to Rs 10 lakh. Furthermore, in the case of permanent disability resulting from an accident, workers will receive a sum of Rs 10 lakh. Additionally, the scheme extends educational assistance of Rs 1 lakh to the children of the insured workers. Let’s look at the key highlights to understand it better.
Antyodaya Shramik Suraksha Yojana 2023 Key Highlights
| Antyodaya Shramik Suraksha Scheme 2023 Key Highlights | |
| Antyodaya Shramik Suraksha Scheme Launch Date | July 08, 2023 |
| Antyodaya Shramik Suraksha Scheme is related to | Cost-Effective Accidental Insurance Scheme for Workers |
| Antyodaya Shramik Suraksha Scheme Premium Amount | Rs 289 and Rs 499 Per Annum |
| Antyodaya Shramik Suraksha Scheme Insurance Amount | Rs 10 Lakh in case of Death and in case of permanent disability. |
| Antyodaya Shramik Suraksha Scheme Education Assistance Amount | Rs 1 Lakh to the children of the insured workers |
| Antyodaya Shramik Suraksha Scheme Helpline Number | 155299 |
Primarily, the ‘Antyodaya Shramik Suraksha‘ accident insurance scheme has been started for the workers registered on the e-labor Portal in collaboration with the Department of Posts, India Post Payments Bank, and the Ministry of Labor and Employment. But this scheme will be started soon for the common people as well to
Union Minister of State for Communications Devusingh Chauhan said that in the coming time, after taking the data of 28 crore workers of India, they will be given the benefit of Antyodaya Shramik Suraksha Yojana. He assured the Chief Minister that within 60 days in Kheda district, 1 lakh poor families would get the benefit of Antyodaya Shramik Suraksha Scheme.
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Antyodaya Shramik Suraksha Yojana Objective
- Antyodaya Shramik Suraksha’ accident insurance scheme has been launched to ensure the safety of workers in the nation.
- The target of Antyodaya Shramik Suraksha Scheme is to give priority to the welfare and safety of our laborers, so that they can get financial security in case of an accident.
- Mainly, the purpose of starting the Gujarat Antyodaya Shramik Suraksha Yojana is to provide security cover to the workers of the state. With this, Gujarat has become the first state to start the ambitious scheme of the Central Government.
Workers can easily apply for the benefits of the Antyodaya Shramik Suraksha Scheme through the nearest post office / postman / gramin dak sevak.
Antyodaya Shramik Suraksha Yojana Eligibility Criteria
As mentioned earlier, the scheme has been launched for the workers registered in the e-labor portal. Therefore, it is advised to check the eligibility criteria for Antyodaya Shramik Suraksha Yojana before applying for the same. Here are some Antyodaya Shramik Suraksha Yojana eligibility criteria which must be possessed by the applicant of the Antyodaya Shramik Suraksha Scheme.
- You must be a Permanent Resident of Gujarat.
- You must be a laborer/worker.
- The laborer should possess an E-Shramik Card or Shramik Card.
- You must have a bank account and it must be linked with an Aadhaar Card and mobile number.
- The applicant must agree to pay Rs 499 or Rs 289 for Rs 10 Lakh and Rs 5 Lakh insurance respectively.
- Workers can easily apply for the benefits of Antyodaya Shramik Suraksha Yojana through the nearest Post Office / Post Man / Gramin Dak Sevak.
Documents required for Antyodaya Shramik Suraksha Yojana
Before applying for Antyodaya Shramik Suraksha Yojana, it is imperative to check all the documents requirements for the same. Given below is the list of documents required for Antyodaya Shramik Suraksha Yojana.
- Aadhar card – You have to present the original Aadhar Card. If you don’t have one, you can visit your nearest CSC center to apply for the same.
- Bank Account Details – This is very important as this will provide you a channel in which your insured money will be received ( in case of Accident/ Death). Therefore, it is very important to bring a bank account passbook which is linked with an Aadhar card and mobile number.
- Mobile Number – Enter a valid mobile number through which all the future updates can be delivered.
- Passport size photo – Keep the latest 4 copies of passport size photographs with you.
- e-shramik card – This is important. Make sure you have this while applying for Antyodaya Shramik Suraksha Yojana.
- Labor card – This is also one of the important documents you need to carry while applying for the Antyodaya Shramik Suraksha Yojana.
- Identity card – ID can be anything Aadhar Card, Voter Card, Passport, Driving license and more.
- Antyodaya Shramik Suraksha Yojana Application Form – You will get this at the center where you will go (nearest Post Office / Post Man / Gramin Dak Sevak) to apply for the Antyodaya Shramik Suraksha Yojana.
Features of Antyodaya Shramik Suraksha Yojana
The features of Antyodaya Shramik Suraksha Yojana are provided below.
- Comprehensive coverage: It includes a wide range of benefits, including accidental insurance of Rs 10 lakh and Rs 5 lakh. Disability benefits, hospitalization benefits, etc. are all designed to meet the specific needs of workers.
- Affordable premiums: The scheme is being introduced by the government at a very affordable annual premium rate of Rs 499 for a cover of Rs 10 lakh, and Rs 5 lakh for Rs 289, making it accessible to workers from all walks of life .
- Easy Enrollment Process: Workers can easily apply for the benefits of Antyodaya Shramik Suraksha Yojana through the nearest Post Office/PostMan/Gramin Dak Sevak.
- Pan India Coverage: After the successful pilot launch, the scheme will be extended across the entire nation to encompass more than 28 Crore shramiks. This widespread coverage guarantees that all shramiks, irrespective of their location, can access the scheme’s benefits.
Antyodaya Shramik Suraksha Yojana Benefits
The Gujarat government is offering a cover of 10 lakhs at a very affordable annual premium rate of Rs.499 and a cover of Rs.5 lakhs for Rs.289 in this plan. Under this scheme, what are the benefits to the workers and the information related to insurance has been given in the table below.
| Antyodaya Shramik Suraksha Yojana Insurance/ Premium Benefits | |||
| Types of Benefits | Condition | Under Rs 499 Premium ( Rs 10 Lakh) | Under Rs 289 Premium ( Rs 5 Lakh) |
| Capital Gains | Accidental Death | Rs 10 Lakh | Rs 5 Lakh |
| Permanent Total Disability | Rs 10 Lakh | Rs 5 Lakh | |
| Permanent Partial Disability | Rs 10 Lakh | Rs 5 Lakh | |
| Accidental dismemberment | Rs 10 Lakh | Rs 5 Lakh | |
| Additional Benefit | Accidental Medical Expenses – Patient Hospitalization | INR 1 lakh or actual claim amount (whichever is less) – 24 hours hospitalization is required | INR 50,000 or actual claim amount (whichever is less) – 24 hours hospitalization need to enroll in |
| Long Hospitalization Benefit | Rs 10,000 will be paid for continuous hospitalization for more than 7 days during the policy term in case of accidents | Not Available | |
| Funeral expenses | INR 5,000 or actual whichever is less | INR 5,000 or actual whichever is less | |
| Coma benefit | Rs.1 lakh as lump sum benefit during the policy term | Rs.50,000 as lump sum benefit during the policy term | |
| Education benefit | Rs.1 lakh is not available for a maximum of 2 eligible children in case of accidental death of the insured member | Not Available | |
| Repatriation of mortal remains | INR 5,000 or actual whichever is less | INR 5,000 or actual whichever is less | |
| Total | SUN (Including GST) | Rs 499 Premium | Rs 289 Premium |
Please Note: The policy’s coverage will begin 15 days after the premium payment to prevent potential fraud. However, the insured member will remain eligible for coverage for a continuous period of 365 days from that point onwards.
How to Apply for Antyodaya Shramik Suraksha Yojana 2023?
If you want to apply for the Antyodaya Shramik Suraksha Yojana, it is advised to check the eligibility criteria first. Not only this, you must check the documentation that is required for the same beforehand. This way you will be saved for any kind of inconvenience at the time of filling the application form. The process of applying for the Antyodaya Shramik Suraksha Yojana has been given below in easy and simple steps. By following these steps, you will be able to apply for the Antyodaya Shramik Suraksha Yojana.
- Visit the nearest post office/postman/Gramin Dak Sevak’s office.
- Ask for the Antyodaya Shramik Suraksha Yojana Application Form.
- Fill in the required information in the application form correctly and carefully.
- After this, attach a copy of the necessary documents of the Antyodaya Shramik Suraksha Yojana form.
- Submit the application form to the nearest post office/postman/Gramin Dak Sevak’s office.
- After the form is submitted, the application form will be scrutinized by the officials.
- If everything goes well in the Antyodaya Shramik Suraksha Yojana application form, then you will be accepted into the scheme.
Antyodaya Shramik Suraksha Yojana FAQs
What is Antyodaya Shramik Suraksha Yojana?
Antyodaya Shramik Suraksha Yojana is a cost-effective insurance scheme launched by the Indian Government for the workers of the Nation. Workers will get Rs 10 Lakh/Rs 5 lakh of the insured sun in case of death of the insurer.
What are the benefits of Antyodaya Shramik Suraksha Yojana?
Antyodaya Shramik Suraksha Yojana benefits are that the insurer will get Rs 10 lakh/Rs 5 Lakh in Rs 499/Rs 289 premium. Apart from that the insurer will get an educational benefit of 1 lakh to 2 children of the family.
How much premium is there to pay for Antyodaya Shramik Suraksha Yojana?
There are two types of premium available for the Antyodaya Shramik Suraksha Yojana. First one is for Rs 499, in this Rs 10 Lakh will be given in the case of Death/Permanent Disability/Partial Disability. Second one is Rs 289, in this Rs 5 Lakh will be given in the case of Death/Permanent Disability/Partial Disability. For more information, you can check the Antyodaya Shramik Suraksha Yojana Premium Benefits.
Where to apply for Antyodaya Shramik Suraksha Yojana?
You can apply for the Antyodaya Shramik Suraksha Yojana through the nearest post office / postman / gramin dak sevak.
What are the documents required for Antyodaya Shramik Suraksha Yojana?
The documents required for the Antyodaya Shramik Suraksha Yojana are Aadhar Card, Bank Account Details, ID, Mobile Number, e-shramik card, Labour Card.
What is the last date to apply for Antyodaya Shramik Suraksha Yojana?
The Antyodaya Shramik Suraksha Yojana application has been started from July 08, 2023. There is no information released about the last date of Antyodaya Shramik Suraksha Yojana.
